View 2013 BMW 3 Series Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 30, 2024

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Drivers fed up with high insurance rates and are new to price shopping car insurance online could find sourcing affordable insurance is tougher than they thought.

Affordable insurance rate quotes online

When shopping for insurance there are multiple ways of comparing rate quotes from many different insurance companies. The easiest way by far to find competitive BMW 3 Series insurance rates is to perform an online rate comparison. It’s really quite simple and can be done in just a few minutes using one of these methods.

  • The most efficient method consumers can make multiple comparisons is a comparison rater form. This easy form prevents you from having to do multiple quote forms for each company you want a rate for. One quote request will get you rate comparisons from insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  • A harder way to obtain and compare quotes online is going to the website for every company you want to compare and request a quote. For examples sake, we’ll pretend you want to compare rates from Allstate, Esurance and State Farm. In order to get each rate, you would have to spend time going to each site individually to enter the same coverage data repeatedly, which can take a lot of time.
  • The old school way to price shop rates is physically going to insurance agencies in your area. The ability to buy insurance online reduces the need to sit down with an agent unless you have a need for the professional advice of a local agency. You can, however, find lower rates online and have a local agent actually service the policy.

It doesn’t matter which method you choose, just be certain you are entering the exact same quote information for each comparison quote. If you compare different data it’s not possible to get a fair rate comparison. Just a small difference in coverage limits may result in a large different in cost. Just keep in mind that comparing all the rates in your area helps locate the best offered rates. Some smaller insurers to not give online quotes, so you should also compare quotes from those companies as well.

Tricks in auto insurance advertising

Auto insurance providers like Allstate and Progressive constantly bombard you with ads on TV and radio. All the companies say the same thing that you can save after switching your auto insurance policy to them. How does each company have lower policy pricing? Here is the trick they use.

Companies can use profiling for the right customer that will most likely be profitable. An example of a driver they prefer should be between 25 and 40, carries high limits, and has excellent credit. Any new insured who matches those parameters is entitled to the best price and will most likely save when switching.

Potential customers who don’t meet this ideal profile must pay a higher rate and the prospect going elsewhere. Company advertisements say “customers that switch” but not “everyone who gets a quote” save that much. This is how companies can make those statements.

Because of these techniques, you absolutely need to get price quotes at each policy renewal. It’s just not possible to know which auto insurance company will fit you best based on your risk profile.

Insurance coverage policy discounts

Insurance coverage is not cheap nor is it fun to buy but there could be available discounts that you may not even be aware of. Some of these discounts will be visible at quote time, but a few must be inquired about before you will receive the discount. If you do not double check each discount you qualify for, you are paying more than you should be.

  • Early Switch Discount – Select larger companies give a discount for switching policies before your current coverage expires. This can save 10% or more.
  • Discount for Low Mileage – Keeping the miles down on your BMW may allow you to get lower prices due to less chance of an accident.
  • Defensive Driver Discounts – Taking part in a driver safety course can save you 5% or more and make you a better driver.
  • Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.
  • Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Membership in Organizations – Being a member of qualifying clubs or civic groups could trigger savings on insurance coverage.

Discounts lower rates, but many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, you’re out of luck. But any discount will help reduce the cost of your policy.

Large insurance coverage companies and a summarized list of policyholder discounts are detailed below.

  • Farm Bureau policyholders can earn discounts including good student, multi-vehicle, driver training, renewal discount, 55 and retired, safe driver, and multi-policy.
  • MetLife may have discounts that include accident-free, good driver, defensive driver, good student, multi-policy, and claim-free.
  • Progressive offers discounts for good student, online signing, continuous coverage, homeowner, and multi-policy.
  • AAA includes discounts for good driver, multi-car, multi-policy, AAA membership discount, pay-in-full, and good student.
  • American Family has discounts for accident-free, Steer into Savings, early bird, TimeAway discount, and bundled insurance.
  • GEICO offers discounts including federal employee, seat belt use, anti-theft, military active duty, and defensive driver.
  • State Farm offers premium reductions for student away at school, safe vehicle, multiple policy, Drive Safe & Save, and accident-free.

If you need lower rates, check with each company which credits you are entitled to. Some of the discounts discussed earlier may not be available in every state. If you would like to see a list of insurers that can offer you the previously mentioned discounts, enter your zip code here.

How do I know if I need professional advice?

When choosing adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions can help discover if your insurance needs might need an agent’s assistance.

  • Why do I need rental car insurance?
  • What is the ISO rating for a 2013 BMW 3 Series?
  • Can my teen drive my company car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I really need UM/UIM coverage?
  • How high should my medical payments coverage be?
  • Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Specific coverages for a 2013 BMW 3 Series

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as chiropractic care, prosthetic devices and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, hitting a deer and theft. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers claims like repair costs for stationary objects, funeral expenses, repair bills for other people’s vehicles, pain and suffering and medical expenses. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Collision coverage protection

This pays for damage to your 3 Series resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, driving through your garage door, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your BMW 3 Series.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Buy online or local, you save

Consumers leave their current company for many reasons like questionable increases in premium, high prices, unfair underwriting practices or even policy non-renewal. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.

As you quote insurance, don’t be tempted to reduce needed coverages to save money. There have been many situations where an accident victim reduced full coverage only to discover later that the savings was not a smart move. Your goal is to buy the best coverage you can find at the best possible price and still be able to protect your assets.

You just learned a lot of information how to get a better price on 2013 BMW 3 Series insurance. The key thing to remember is the more providers you compare, the higher your chance of finding cheaper insurance. Consumers could even find that the biggest savings come from a smaller regional carrier.

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